The vehicle model driven is one of the primary factors that determines if you can find the most affordable coverage for postal workers. Vehicles with lots of speed or power, poor crash test ratings, or a high likelihood of having liability claims will cost quite a bit more to insure than more economical and safe models. The next table estimates auto insurance costs for a selection of the most affordable vehicles to buy coverage for.
| Vehicle Insured | Estimated Cost for Full Coverage |
|---|---|
| Toyota Tacoma Double Cab 4WD | $1,566 |
| Toyota RAV4 Sport 4WD | $1,572 |
| Ford F-150 Lariat Super Cab 2WD | $1,594 |
| Ford Escape Limited 2WD | $1,662 |
| Honda CR-V EX-L 2WD | $1,667 |
| Chevrolet Equinox LTZ AWD | $1,675 |
| Nissan Rogue SL 2WD | $1,685 |
| Honda Accord EX-L 4-Dr Sedan | $1,764 |
| Chevrolet Silverado LTZ Extended Cab 2WD | $1,785 |
| Toyota Camry Hybrid | $1,790 |
| Hyundai Sonata Limited 4-Dr Sedan | $1,785 |
| Chevrolet Silverado 2500HD LT Crew Cab Diesel 4WD | $1,787 |
| Chevrolet Malibu LS | $1,793 |
| Toyota Prius | $1,800 |
| Dodge Grand Caravan CV | $1,816 |
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Table data assumes single female driver age 30, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Ohio minimum liability limits. Discounts applied include multi-vehicle, homeowner, multi-policy, safe-driver, and claim-free. Estimates do not factor in vehicle garaging location which can revise rates considerably.
Based upon the rates shown, you can infer that vehicles like the Toyota Tacoma, Toyota RAV4, Ford F-150, and Ford Escape are likely to be a few of the less-costly vehicles to insure for postal employees.
For postal employees, one of the big factors that are used to help calculate the annual cost of car insurance is where you keep your car in Cleveland. Areas with more people or higher crime rates likely pay more, whereas less populated areas benefit from lower rates.
The table below rates the priciest cities in Ohio for postal workers to buy an auto insurance policy in. Cleveland ranks #1 with a yearly cost of $1,272 for the average insured, which is approximately $106 each month.
| Rank | City | Annual Rate |
|---|---|---|
| 1 | Cleveland | $1,272 |
| 2 | Youngstown | $1,247 |
| 3 | Columbus | $1,235 |
| 4 | Toledo | $1,229 |
| 5 | Cleveland Heights | $1,214 |
| 6 | Cincinnati | $1,210 |
| 7 | Euclid | $1,175 |
| 8 | Hamilton | $1,146 |
| 9 | Dayton | $1,142 |
| 10 | Akron | $1,123 |
| 11 | Fairfield | $1,095 |
| 12 | Springfield | $1,094 |
| 13 | Lakewood | $1,073 |
| 14 | Middletown | $1,066 |
| 15 | Canton | $1,058 |
| 16 | Beavercreek | $1,058 |
| 17 | Newark | $1,053 |
| 18 | Cuyahoga Falls | $1,027 |
| 19 | Kettering | $1,009 |
| 20 | Parma | $1,007 |
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Premium amounts are comparative as the specific geographic location can increase or decrease coverage prices significantly.
Get discounts on Cleveland insurance rates
Insurance providers that provide policies for postal workers may additionally offer price discounts that can reduce rates by as much as 40% or more if you qualify for them. Larger insurance companies and their possible discounts are outlined below.
- Progressive may include discounts for multi-vehicle, online quote discount, continuous coverage, good student, homeowner, online signing, and multi-policy.
- SAFECO offers premium reductions for bundle discounts, homeowner, drive less, teen safe driver, teen safety rewards, and multi-car.
- American Family includes discounts for Steer into Savings, air bags, early bird, good student, good driver, bundled insurance, and multi-vehicle.
- MetLife has discounts for multi-policy, claim-free, accident-free, good student, and defensive driver.
- GEICO offers discounts including five-year accident-free, emergency military deployment, military active duty, daytime running lights, defensive driver, good student, and membership and employees.
- The Hartford may offer discounts for anti-theft, defensive driver, good student, air bag, and bundle.
The example below illustrates the difference between insurance premiums with and without some available policy discounts. The premium estimates are based on a male driver, no driving violations, no at-fault accidents, Ohio state minimum liability limits, full coverage, and $100 deductibles. The first bar for each age group shows insurance cost with no discounts. The second shows the rates with multiple vehicle, accident-free, vehicle safety, claim-free, defensive driving course, and marriage discounts applied. When these discounts are applied, the average savings per year on insurance for postal workers is 28% or $485.
Picking a highly-rated car insurance company can be a challenge considering how many companies sell coverage in Cleveland. The company information below may help you pick which companies to look at shopping prices with. The ratings below are only comprised of companies that insure vehicles nationwide, so smaller companies that only insure vehicles in Ohio are not included in these rankings.
Top 10 Large Auto Insurance Companies in Cleveland Ranked by Customer Satisfaction
- USAA – 92%
- Erie Insurance – 88%
- American Family – 88%
- State Farm – 88%
- Nationwide – 88%
- 21st Century – 88%
- AAA Insurance – 87%
- Liberty Mutual – 87%
- Farmers Insurance – 87%
- The Hartford – 87%
Top 10 Large Auto Insurance Companies Overall in Cleveland
- USAA
- 21st Century
- GEICO
- Nationwide
- AAA Insurance
- Liberty Mutual
- Safeco Insurance
- State Farm
- Travelers
- American Family
Should you buy full coverage?
Paying less for insurance is important to most people, and a good way to find cheap insurance for postal workers is to only pay for liability coverage. The illustration below compares yearly insurance costs when comparing full coverage to liability only. The rate quotes are based on no claims or driving violations, $1,000 deductibles, single marital status, and no policy discounts are applied.
As an average for all age groups, full coverage on your policy costs an extra $961 per year more than just insuring for liability. That is a significant amount which raises the question if full coverage is worth the money. There is no clear-cut rule that is best for determining when to drop physical damage insurance, but there is a general guideline you can use. If the annual cost of having full coverage is 10% or more of replacement cost minus your deductible, then it may be the right time to buy liability only.
For example, let’s say your vehicle’s book value is $8,500 and you have $1,000 policy deductibles. If your vehicle is totaled in an accident, the most your company will settle for is $7,500 after paying the physical damage deductible. If it’s costing in excess of $750 a year for full coverage, then it might be time to buy liability only.
How to find low-cost insurance for postal workers
Lowering your rates is not difficult, and here are many money-saving suggestions that can help you quote more affordable coverage.
- Avoid having at-fault accidents
- Drive vehicles with five-star safety ratings
- Avoid filing small claims
- Be a cautious driver
- Buying your home and auto policies from the same company can earn a discount
- Keep rates low by shopping around frequently
That last idea is highly valuable, as was pointed out in this article. Coverage rates can be modified anytime, so don’t hesitate to switch companies if a more affordable rate is found.
Many drivers tend to have loyalty to a certain company, but we do not recommend it if that loyalty ends up costing a small fortune. In just a couple of minutes you could compare prices and find cheaper insurance for postal workers in Cleveland.